Compare The Personal car and auto insurance quotes with other top insurance companies. Find the best price.

On average, Canadians save hundreds of dollars per year by comparing quotes with us.

Get quotes from 50+ Canadian providers in 3 minutes.

Get quotes from 50+ Canadian providers in 3 minutes.

Learn more about The Personal car insurance.

Founded in 1974 and operating under parent organization Desjardins General Insurance Group Inc., The Personal Insurance Company offers Canadians the long-term stability they value in an insurance provider and the diversity of coverages they need. The Personal is headquartered in Mississauga, Ont. and specializes in group home and auto insurance, offering Canadians exclusive access to group rates not available to the general public.

The Personal is actually two entities: The Personal General Insurance, serving the Quebec market, and The Personal Insurance Company, which serves the rest of Canada.

You must belong to a member group to buy insurance from The Personal. More than 700 professional organizations, guilds, post-secondary institutions and corporations use The Personal for insurance.

A 40-year track record of offering exclusive insurance discounts — in every province and territory — is pretty hard to argue with. So if you’re looking for the most competitive rates available, maybe it’s time your business or association consider joining the hundreds of private and public Canadian organizations already affiliated with The Personal.

 

Consumer reviews for The Personal auto insurance.

ProvinceUser satisfaction rating
Alberta
Atlantic
Ontario

 

 

 

 

 

Quebec

 

 

 

 

 

What other insurance products does The Personal Insurance offer?

Along with insurance for autos and recreational vehicles (snowmobiles, ATVs, RVs, scooters, motorcycles, camping trailers and boats), The Personal Insurance offers a variety of coverage options for individuals. To qualify for coverage with The Personal Insurance, you need to be a member of an insured group. You can check online to see if your employer, university, retiree organization, union, or alumni or professional association has an agreement for coverage.

Home insurance: Policies cover most types of accidental damage and liability, with optional add-ons for certain kinds of water damage (snow and rain, floods, sewer backups, etc.) and earthquakes. You can also add coverage for pools and hot tubs, to protect your home against theft or vandalism while it’s under construction, or for home-based businesses and short-term rentals.

Condo insurance: Covers your unit, your belongings and personal liability. Optional coverages similar to The Personal’s home insurance offerings.

Renter insurance: Standard coverage for liability and personal items in your unit, with optional add-ons that mirror home and condo offerings. You can opt to extend coverage for your belongings when they’re temporarily outside your rental unit, to cover you in case of lost luggage while traveling, for example.

Pet insurance: Coverage for your dog or cat in case of illness or injury, with Bronze, Silver and Gold tiered policy tiers and optional coverage for alternative and behavioural therapy and medical devices. All policies include dental coverage, and the Gold plan also covers preventive care.

Travel insurance: À la carte coverage options for emergency medical costs and return travel, accidents, trip cancellation and interruption and lost baggage. Choose from short-term and multi-trip annual policies for individuals and families.

The Personal car insurance advantage.

Discounts

When it comes to car insurance in Canada, The Personal has been a trusted provider for over 40 years. In addition to great service, The Personal also offers a number of discounts to help you save on your car insurance.

  • Bundling: Save up to 20% on property insurance and up to 5% on auto insurance by insuring your vehicle and home with The Personal. Additionally, if you’re faced with an incident that involves both your vehicle and your home, you will only be required to pay a single deductible — whichever one is higher.
  • Multiple vehicle discount: Auto insurance premium discounts of up to 15% are available by insuring two or more vehicles with The Personal.
  • Safe driving: Zero highway traffic violations within the last three years? You may qualify for a 15% discount.
  • Student discounts: If you’re a full-time post-secondary student or recent graduate — and are under the age of 25 — you may be eligible for 10% off your car insurance.
  • Being loyal pays off: The Personal will reward you for being a loyal customer — even if it was to another insurance company. If you’ve been insured with the same company for a number of years, you may be entitled to a discount on your auto premium when you switch over. Ask your broker if you qualify.
  • Driving eco-friendly: Find savings of up to 5% if you insure an electric or hybrid vehicle with The Personal.
  • Approved winter tires: Installing four approved winter tires during the winter season will net you a 5% discount on your auto insurance.

The best way to find out what rates you’ll pay for car insurance is to compare the market online. Compare The Personal’s car insurance quotes online alongside 30+ other car insurance companies on LowestRates.ca to make sure you’re securing the best rate. If you’re unsure about whether you qualify for the discounts above, you can contact The Personal Insurance at this phone number to find out: 1-888-476-8737.

Special programs

Exclusive discounts - By joining the more than 700 Canadian organizations currently partnered with The Personal, your group’s affiliation means you’ll have access to exclusive group rates and benefits.

Worry-Free Option® - A suite of optional auto insurance coverages, including loss of use, damage to non-owned vehicles, and emergency roadside services, all in one package.

5-year New Vehicle Protection - This optional coverage protects your new vehicle against depreciation for the first five years. In the event your car is deemed a total loss, The Personal will provide compensation that matches the car's actual cash value and also recoups the value lost by depreciation. In the event of a partial loss, your vehicle will be repaired using only new parts.

Alert™ - This is The Personal’s newly established water damage prevention program — the first of its kind in Canada. If your home experiences water damage, you’ll get a notification from the app immediately.

Ajusto program - A feature exclusive to drivers in Quebec and Ontario, The Personal’s Ajusto Program is a fully mobile telematics program that tracks your driving habits through an app. Depending on how well you meet The Personal's criteria for safe driving — driving smoothness, speed, time of day, distance travelled — your behaviour behind the wheel could result in premium discounts (but never in premium increases).

Is there an app?

Yes. Customers have access to a number of services once they log in to The Personal mobile app. By downloading The Personal’s app, you can manage many aspects of your policy, including filing a claim, adding a driver, changing your contact information, or requesting documents. You also access the Ajusto telematics program through the app.

The app is compatible with Android and Apple devices including the Apple Watch.

How to submit a claim with The Personal

If your vehicle is damaged or stolen and you need to make a car insurance claim with The Personal, there are a few steps to follow:

The Personal's phone number for car insurance claims:
1-888-785-5502
 
 
File through the app:
Claims can be filed anytime by using the online form or the mobile app.
 
Hours of availability:
24 hours a day, 7 days a week.

If you file a claim online, you can book an appointment with a body shop in just 10 minutes. Or if you’re simply looking to educate yourself about the claims process, The Personal’s online interactive Claims Centre walks you through what to do in the event of a loss, explains which damages are covered and which are not, and provides a list of recommended service providers for vehicle repairs, vehicle rentals, emergency cleanup, home renovations and more.

You can also use this number to call The Personal insurance information line if you’re simply seeking advice on your insurance coverage: 1-888-476-8737

You also have the option to contact The Personal’s insurance claims professionals to review your claim in more detail.

Join the millions of Canadians saving money on auto insurance

The first rule of saving money is to shop around for the best price. Make sure you’re not overpaying for car insurance by comparing insurance providers before you settle on one. LowestRates.ca makes comparing multiple auto insurance companies a snap. We don’t sell insurance — we’re completely independent — but we can show you which insurer is offering the lowest price. Just enter your postal code and in 3 minutes we’ll show you rates from 50+ Canadian insurance providers. Best of all? It’s free.

How comparing auto insurance quotes works. Hint: it’s free!

Compare

Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.

Save

When you find the best quote, secure your rate by talking to a licensed broker or agent.

Get Started

24,049 Canadians

have compared rates and saved money over the last 24 hours

What people say after comparing rates on LowestRates.ca:

February 16
Fast and easy good response
Fast and easy good response
Robert Burke
February 16
Great service
Great service
Waseem Akhter
February 15
Website is easy to use the…
Website is easy to use the representatives were so helpful, wasn't on hold long ...
Olivia
February 15
very easily approach for info and clear…
very easily approach for info and clear to understand
DANIEL HELDER
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
February 14
The person i talked made it easy she…
The person i talked made it easy she was easy to talk to she quick and i feel i ...
Calvin Shelley
February 13
very good and easy
very good and easy
Noel Tavas
February 10
The agent was very pleasant
The agent was very pleasant and thorough. She reviewed the important informatio...
Bernard Wrobleski
February 10
Finally service
Knowledgable friendly considerate and concerned
Rick D
February 9
Very fast
Very fast, efficient and helpful. I would not hesitate to recommend this company...
Anna Paquette
February 9
Friendly approach and talk and showing…
Friendly approach and talk and showing kindness and help.
Abdul Lodin
February 7
The agents i dealt with were amazing
The agents i dealt with were amazing! Thank you to Juliana & Alicia
Concetta Mastrangelo
February 7
Very Kind and Patient
Very kind all the way through. Took time to explain every step and were patient ...
Hunter Hughes
February 2
Easy to use and quick follow up
Easy to use and quick follow up. Thanks .
Terry Collins
January 31
Very pleasant to deal with.
Very pleasant to deal with.
Janet
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon
October 13
prompt respond
prompt respond, knowledgable
Brano Lapin
September 27
The agent was Patient and knowledgeable…
The agent was Patient and knowledgeable answered all my questions
Richard Young
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
Liliana FERNANDEZ
July 13
THE PERSON ANSWERED ALL MYY QUESTIONS
THE PERSON ANSWERED ALL MYY QUESTIONS
Antonio
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin

*LowestRates.ca is not an insurance brokerage.

Front view of a car. Illustration.

See how our customers with collision coverage save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from February 20, 2024
Customer
Male, 33 years old
Location
ontario
Vehicle
2023 TOYOTA COROLLA LE 4DR
Lowest Rate
$587/mth
$7,042/yr
Average Rate
$861/mth
$10,331/yr
Saved
$274/mth
31.84%
Quote from February 20, 2024
Customer
Male, 24 years old
Location
ontario
Vehicle
2010 MAZDA MAZDA3 GS 4DR
Lowest Rate
$474/mth
$5,691/yr
Average Rate
$680/mth
$8,159/yr
Saved
$206/mth
30.25%
Quote from February 20, 2024
Customer
Male, 31 years old
Location
ontario
Vehicle
2024 HYUNDAI TUCSON TREND 4DR AWD
Lowest Rate
$330/mth
$3,965/yr
Average Rate
$420/mth
$5,045/yr
Saved
$90/mth
21.41%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Jessica Vomiero

Jessica Vomiero

About the Author

Jessica is the former Associate Editor for LowestRates.ca. Before joining the team, Jessica worked as a National Online Journalist with Globalnews.ca and previously spearheaded the launch of the Business Section at one of Canada's largest technology websites, MobileSyrup.

Read More

Auto insurance news

Read More Like This